Offering customer financing is the single highest-ROI addition a residential contractor can make to their close process. The data is unusually consistent: jobs that include a financing option close at 4.5x the ticket size of cash-only jobs, and 87% of contractors who add financing report winning work they would have lost otherwise (Wisetack merchant data, 2025-2026). For contractors, the real question isn’t whether to offer financing — it’s which platform to offer it through.
This category covers the four major point-of-sale consumer financing platforms that dominate the US (and Canadian) home improvement market in 2026: Wisetack, Financeit, Hearth, and GreenSky. They’re not interchangeable. They differ materially on price structure (flat transaction fees vs annual subscription vs variable dealer fees), loan ceilings ($25K to $250K), integration depth with contractor CRMs (native vs zero), self-serve enrollment (some allow it, some don’t), and customer experience track record (ranging from 85 Net Promoter Score to 1.5/5 Trustpilot).
Here’s the two-sentence summary most contractors actually need: For 80% of residential contractors with average tickets under $25,000, Wisetack is the default answer — 3.9% flat per-transaction fee, native integrations with every major field service CRM, and the best consumer experience in the category. For contractors with bigger tickets (full re-roofs, solar systems, major HVAC replacements, whole-house remodels), add Hearth as a second layer — $250K loan ceiling, subscription-based pricing that pays off above $50K/year in financed volume.
The other two products — Financeit and GreenSky — have specific use cases. Financeit is the right choice if you want a real contractor partner program that pays per-funded-loan commissions (the only one in the category) or if you’re a Canadian contractor for whom Financeit is the default modern option. GreenSky is the largest network in the US by loan volume but comes with enough regulatory and customer experience caveats that we don’t recommend it as a first choice unless you’re already embedded in its merchant network.
The honest caveat before the rankings: three of these four platforms were owned by or divested from Goldman Sachs during the 2022-2024 retreat from consumer fintech. Wisetack is the only platform in this category that has never been part of the Goldman portfolio — its lending relationships run through Group 1001 Insurance (partnership announced September 2025) and will expand through its November 2025 LendingClub partnership in 2026. That institutional cleanliness is one of the reasons we rank Wisetack #1 and recommend it as the default starting point.
Wisetack
Best Overall — The Default for Most ContractorsWisetack is the modern default for contractor financing — the platform that most contractors should start with unless they have a specific reason not to. Three things separate it from the rest of the category: native integration depth across every major field service CRM, transparent per-transaction pricing with no subscription risk, and the best-documented consumer experience in the category.
What it does best: financing fires automatically inside the quote your crew sends through Jobber, Housecall Pro, JobNimbus, ServiceTitan, FieldPulse, or 13+ other platforms in Wisetack’s 17+ native integration ecosystem. No Zapier, no custom code, no separate tab. Customer sees financing options directly in the quote, applies from their phone in under a minute via soft credit pull (zero impact on credit score), and you get paid 1-3 business days after job completion. 74% of applicants get approved, and 70% of those approved actually select Wisetack financing per the company’s published merchant data.
The consumer-side track record is what pushes Wisetack to #1: 85 Net Promoter Score across 20,112 survey ratings through March 2024, with 88% of customers saying they were happy financing was offered and 86% willing to recommend Wisetack to a friend. That’s the strongest consumer-side data in the entire category and materially better than any legacy competitor.
Real cost: 3.9% flat per transaction. That’s it. No subscription, no setup fee, no origination costs, no late fees, no prepayment penalties. Extended 0% APR promotional products cost more (5.5% on 24-month 0% promos) to offset the interest the customer isn’t paying. The pricing page is the actual price.
Key limitation: $500 to $25,000 per-job loan cap. For contractors with average tickets under $25K (most HVAC service, plumbing, electrical, painting, landscaping), this is the right product. For full re-roofs, solar installations, or major remodels above $25K, you need to add Hearth or Financeit as a second layer. The November 2025 LendingClub partnership is expected to lift the cap in mid-2026 as LendingClub begins originating larger home improvement loans through Wisetack.
Financeit
Best Partner Program + #2 OverallFinanceit is the most modern POS financing product on pure technology and integration depth, and it’s the only platform in this entire category with a real formal partner program — per-funded-loan commission structure, accessible via partners@financeit.io. For contractor-adjacent businesses (equipment distributors, marketing agencies, trade associations, software platforms) or contractors with credible referral volume, Financeit is the one affiliate opportunity that actually pays.
What it does best: native integrations with Jobber, Housecall Pro, ServiceTitan, Sera, and Successware through the Nexstar Network partnership ecosystem — matching Wisetack’s integration depth inside the platforms that serve the majority of the US HVAC, plumbing, and electrical contractor market. The $100K loan ceiling covers the full HVAC replacement, solar installation, and major remodel tier that Wisetack’s $25K cap misses.
Consumer sentiment is Tier 2 in the category: Trustpilot 4.1/5 across 367+ reviews — materially better than GreenSky (1.5/5) or Hearth (2.0/5 Capterra), though not matching Wisetack’s 85 NPS. Canadian contractors report funding in under 45 minutes in verified reviews.
The US availability caveat is real. Financeit is Canadian-origin with a 12,000-merchant network concentrated north of the border. US availability is expanding state by state but not yet equivalent to Wisetack’s universal 50-state coverage. American contractors need to verify state availability before investing in onboarding via partners@financeit.io. If your state isn’t supported yet, Wisetack is the US-wide default.
Real cost: not publicly disclosed. Financeit quotes dealer fees per merchant during onboarding, with expected rates in the 2-5% range for standard-APR loans and 8-12% for extended 0% promotional products. Less transparent than Wisetack’s flat 3.9%, but typically lower than GreenSky’s 7-15% on comparable products.
Recent developments: backed by InterVest Capital Partners (the New York arm of Kuwait sovereign wealth fund Wafra Inc.) since Goldman Sachs divested in 2022. Acquired Simply Group (including SNAP Home Finance and EcoHome Financial) in 2024 to consolidate its Canadian position. October 2025 partnership with Charge Solar launched nationwide Canadian solar financing — a strong signal for solar contractors.
Hearth
Best for Big-Ticket Trades ($25K-$250K)Hearth is the most complete all-in-one platform in the category — financing plus sales-enablement plus AI receptionist in one annual subscription. The $250,000 loan ceiling is the widest in the review set, making Hearth the right call for contractors with big-ticket trades where Wisetack’s $25K cap falls short.
What it does best: the multi-lender marketplace model sends each customer’s soft-pull prequalification to multiple lending partners simultaneously, typically producing higher approval rates than single-lender products. APRs start as low as 7.99% for qualified borrowers with 680+ FICO. Loan range $1,000 to $250,000, terms 2-12 years (up to 15 on the November 2025 Premium tier). Funds land in the contractor’s account in 24-48 hours.
Harper AI Receptionist is a real AI product. 24/7 call answering, spam screening, lead qualification, appointment booking directly into your calendar, call recording and transcription. The November 2025 update moved the AI Dashboard inside the main Hearth app with call logs, recordings, and weekly stats. For contractors who want financing + AI call answering bundled into one subscription instead of managing two separate products, Hearth is uniquely positioned.
Real cost: $1,499/year (Essentials) to $1,799/year (Pro) plus a $99 one-time setup fee. Harper AI Receptionist is quoted separately. Priority Support adds $299/year. Full Pro + Harper + Priority + card add-ons typically lands at $3,000-$4,000/year all-in once everything is turned on. Break-even vs Wisetack lands at roughly $36,000-$45,000/year in financed volume. Below that, Wisetack is cheaper. Above it, Hearth wins.
Key limitation — the auto-renewal pattern is the biggest risk. Hearth has 91 BBB complaints in 3 years, 2.0/5 on Capterra across 9 reviews (5 of them one-star specifically about auto-renewal disputes), and a consistent pattern of contractors being billed for year two they didn’t intend to renew. If you sign up for Hearth, set a calendar reminder 30 days before your renewal date and cancel in writing via email before then. This is a product that works well for the right profile of contractor but demands operational discipline around the annual renewal date.
GreenSky
Largest Network — Use With AwarenessGreenSky is included in this roundup for category authority and honest coverage — not because we recommend it as a first choice. It’s the largest home improvement finance network in the US by every measurable dimension (10,000+ merchants, $9B+ originated annually, decade of operational history), but the 2026 evaluation against modern fintech alternatives shows where legacy scale doesn’t translate to operational value.
What it does best: scale and institutional backing. GreenSky has been embedded in HVAC dealer sales for a decade, partnered with Synovus Bank since 2015, and runs $9B+ in annual loan originations. For contractors already enrolled in the network with trained outbound sales teams, the product works at scale.
Ownership context matters: Goldman Sachs bought GreenSky for $1.73 billion in 2021 and divested it to a Sixth Street-led consortium (also including KKR, Bayview Asset Management, and CardWorks) in March 2024 for approximately $500 million — a roughly $1.2 billion write-down reflecting operational challenges in the post-pandemic rate environment. The Sixth Street era has stabilized the balance sheet but hasn’t meaningfully addressed the product’s structural limitations.
Real cost: dealer fees 0.99% to 15% depending on the loan product, with typical mid-range around 7.4% and deep-discount deferred-interest promos up to 26.6%. Several multiples of Wisetack’s 3.9% flat on the promotional products contractors most often sell. Enrollment is invite/approval-based — no self-serve sign-up for new contractors in 2026.
The honest caveats that define GreenSky’s 2.5/5 rating:
- CFPB regulatory history — 2021 enforcement order required GreenSky to cancel/refund $9 million in loans and pay a $2.5 million civil penalty for contractor-assisted unauthorized loans. 6,000+ unauthorized-loan complaints logged 2014-2019; 2,800 consumers did not receive refunds.
- Consumer sentiment — 1.5/5 TrustPilot, 1.1/5 BBB, 1.7/5 Yelp, 2.1/5 Credit Karma. The deferred-interest product model produces complaint-rate asymmetry: customers who pay off during the promo window are quietly satisfied, customers who don’t write one-star reviews about retroactive interest shock.
- Zero native FSM integrations — no Jobber, no Housecall Pro, no ServiceTitan, no JobNimbus. Merchant-portal flow is a decade-old architecture in a category that has moved to embedded-in-quote financing.
GreenSky still fits enterprise HVAC dealers and solar installers already embedded in the network. For almost every other contractor evaluating financing fresh in 2026, Wisetack is the better starting point.
Contractor Financing Pricing Comparison (2026)
| Platform | Contractor Cost | Loan Range | Native FSM Integrations | Self-Serve Enrollment |
|---|---|---|---|---|
| Wisetack | 3.9% flat per transaction, 5.5% on 24-mo 0% promos | $500 - $25,000 | 17+ (Jobber, HCP, JobNimbus, ServiceTitan, FieldPulse, Thryv, Projul, more) | Yes — 5-day processing |
| Financeit | Dealer fee quoted per merchant (~2-5% standard, 8-12% extended 0%) | $0 - $100,000 | 5+ via Nexstar (Jobber, HCP, ServiceTitan, Sera, Successware) | Partial — Canada self-serve, US state-limited |
| Hearth | $1,499-$1,799/yr subscription + $99 setup, no per-transaction | $1,000 - $250,000 | None (QuickBooks only) | Yes — instant demo |
| GreenSky | 0.99-15% dealer fees (typical 7.4%), up to 26.6% on deep promos | $0 - $100,000 | None | No — invite/approval only |
The one-line readouts:
- Cheapest per close: Wisetack on standard-APR jobs, Hearth on high-volume operations ($50K+/year financed)
- Widest loan range: Hearth ($250K ceiling)
- Best integration depth: Wisetack (tie with Financeit for FSM coverage)
- Best partner program: Financeit (the only real per-funded-loan commission in the category)
- Largest overall network: GreenSky (10,000+ merchants)
- Cleanest regulatory history: Wisetack (never part of Goldman’s fintech portfolio)
The Math: What Financing Actually Costs on a Real Contractor Job
Contractor financing economics vary more than any other software category we’ve reviewed. Here’s the real math on three representative contractor jobs across all four platforms:
Job #1: $8,000 HVAC Repair (Replace Compressor + Evaporator Coil)
Standard-APR financing, 36-month term, average-credit homeowner:
| Platform | Contractor Cost | Notes |
|---|---|---|
| Wisetack | $312 (3.9%) | Native in Jobber/HCP quote |
| Financeit | ~$240-$400 (3-5%) | Native in Jobber/HCP quote |
| GreenSky | ~$240 (3%) | Requires separate merchant flow |
| Hearth | $0 per-job (subscription-based) | Requires $1,499+/yr subscription |
Winner at this ticket size: Wisetack — cheapest integrated option. Hearth subscription only makes sense if you’re doing 15+ of these jobs per year.
Job #2: $25,000 Full HVAC System Replacement with 24-Month 0% APR Promo
Customer wants the “0% for 24 months” close to sign tonight:
| Platform | Contractor Cost | Notes |
|---|---|---|
| Wisetack | $1,375 (5.5%) | Hits the $25K cap exactly |
| Financeit | ~$2,000-$3,000 (8-12%) | Comfortable below $100K ceiling |
| GreenSky | ~$3,000 (12%) | Standard deferred-interest promo rate |
| Hearth | $0 per-job (subscription-based) | Multi-lender marketplace finds best offer |
Winner at this ticket size: Wisetack on cost if you can close with standard APR, or Hearth if you’re doing real volume ($25K-$50K/year across similar jobs).
Job #3: $60,000 Full Re-Roof with Insurance Deductible
Wisetack locks you out entirely at this ticket size:
| Platform | Contractor Cost | Notes |
|---|---|---|
| Wisetack | N/A | Exceeds $25K cap |
| Financeit | ~$1,800-$4,800 (3-8%) | $100K ceiling, fits |
| GreenSky | ~$4,440 (7.4% typical) | $100K ceiling, fits |
| Hearth | $0 per-job (subscription-based) | $250K ceiling, multi-lender competing |
Winner at this ticket size: Hearth if you’re doing real volume of these jobs, Financeit otherwise. GreenSky works but you’re paying for the network scale without gaining integration advantages.
How to Pick the Right Financing Partner
Five factors actually decide the right answer. Everything else is noise.
1. What’s your average ticket size?
- Under $10K average: Wisetack. No other platform’s economics beat 3.9% flat at this ticket range, and the native FSM integration eliminates friction.
- $10K-$25K average: Wisetack still wins on standard-APR jobs. Add Hearth or Financeit if you sell a lot of 24-month 0% promos at the top of that range.
- $25K-$100K average: Hearth or Financeit. Wisetack is out. Pick Hearth for the $250K ceiling + Harper AI bundle, Financeit for the partner program.
- $100K+ average: Hearth is the only option with the loan ceiling ($250K). GreenSky caps at $100K.
2. What field service CRM do you run?
- Jobber, Housecall Pro, JobNimbus, ServiceTitan, FieldPulse: native Wisetack integration saves real tech time versus sending customers a separate financing link.
- Sera or Successware (HVAC-specific): Financeit has native integration via the Nexstar Network ecosystem.
- GoHighLevel only, no FSM: none of these platforms natively integrate. Use Wisetack via manual send, pair it with Jobber (which GoHighLevel now syncs natively as of September 2025), or use Hearth’s standalone portal.
- No CRM yet: start with a CRM first. Our Jobber review is the easiest entry point for service-trade operations.
3. What’s your annual financed volume?
- Under $36K/year: subscription-based Hearth doesn’t pencil out. Use Wisetack.
- $36K-$50K/year: breakeven range. Pick whichever fits your average ticket size better.
- $50K-$100K/year: Hearth subscription starts to win if you use the bundled sales-enablement tools. Wisetack is still cleaner if you don’t need the extras.
- $100K+/year: Hearth wins decisively on pure unit economics, but layering Wisetack on top for smaller tickets often still makes sense.
4. Do you want a partner program or affiliate opportunity?
- Yes, you drive referral volume: Financeit is the only platform with a real per-funded-loan commission structure (partners@financeit.io). Worth applying.
- No, you just want to offer financing to your own customers: any of the four works. Evaluate on the other factors.
5. Can you manage annual renewal discipline?
- Yes, your office runs tight subscription management: Hearth is fine. Calendar the renewal 30 days out, cancel in writing if you’re not renewing.
- No, subscriptions sometimes slip through: stick with Wisetack or GreenSky — no annual auto-renewal trap. Financeit quotes per merchant but doesn’t auto-renew like Hearth does.
Contractor Financing Integrations: What Plugs Into What
The most common question contractors ask about financing: will this work natively with the CRM my crew already runs? Here’s the integration matrix as of April 2026:
| CRM / Platform | Wisetack | Financeit | Hearth | GreenSky |
|---|---|---|---|---|
| Jobber | ✅ Native | ✅ Native | ❌ None | ❌ None |
| Housecall Pro | ✅ Native | ✅ Native | ❌ None | ❌ None |
| JobNimbus | ✅ Native | ❌ | ❌ | ❌ |
| ServiceTitan | ✅ Native | ✅ Native | ❌ None | Enterprise custom |
| FieldPulse | ✅ Native | ❌ | ❌ | ❌ |
| Sera | ❌ | ✅ Native | ❌ | ❌ |
| Successware | ❌ | ✅ Native | ❌ | ❌ |
| GoHighLevel | ❌ | ❌ | ❌ | ❌ |
| QuickBooks | ❌ | Partial | ✅ Native | ❌ |
The takeaway pattern: Wisetack and Financeit dominate the native FSM integration layer. Hearth’s only native integration is QuickBooks (and even that has been flagged for bank-connectivity bugs by Capterra reviewers). GreenSky has zero native FSM integrations — its merchant portal is a decade-old architecture.
For GoHighLevel users specifically: none of the financing platforms integrate natively with GHL. The recommended workaround is to pair GoHighLevel with Jobber (native September 2025 integration), then run Wisetack inside Jobber quotes. The chain works without Zapier glue — homeowner gets a Wisetack financing offer inside a Jobber quote, Jobber syncs the contact to GoHighLevel for post-job marketing follow-up.
How to Offer Customer Financing as a Contractor (Practical Guide)
For contractors who don’t currently offer financing, here’s the straightforward path to get running with the default recommendation:
Step 1: Confirm Your Eligibility
Most platforms require 2+ years in business, a US bank account, and basic business registration documentation. Financeit explicitly requires 2+ years. Wisetack and Hearth have lighter requirements but still require business bank account verification via Plaid.
Step 2: Pick the Right Starting Platform
- Most contractors: apply to Wisetack as the default. 5-day application processing, self-serve, free merchant account.
- Big-ticket trades ($25K+ average): book the Hearth demo. Instant access to the platform.
- Canadian contractors or US partner-program candidates: email partners@financeit.io to start Financeit enrollment.
Step 3: Enable the Native CRM Integration
If you run Jobber, Housecall Pro, JobNimbus, or ServiceTitan, enable the native Wisetack or Financeit integration inside your CRM’s App Marketplace. Setup takes under 10 minutes. Once enabled, financing options attach automatically to residential quotes in the qualifying range.
Step 4: Train Your Crew (Two Sentences)
The pitch at the kitchen table should always be: “Would you like to see your monthly payment options before we wrap up?” Never “Are you going to be paying cash or financing?” The first framing gets soft-pull prequalifications and keeps the close moving. The second creates friction.
Step 5: Add a Pre-Appointment Prequalification Link
Embed your financing platform’s prequalification link in your email signature, booking confirmation texts, and appointment reminder emails. Prequalified customers are 26% more likely to proceed and spend 30% more per transaction (Wisetack merchant data, 2025). This single step produces more revenue than any other optimization.
Step 6: Track the Metric That Actually Matters
Monitor your ratio of quotes-that-include-financing-options to total quotes sent. If you’re not at 90%+ within three months of enrolling, your crew isn’t consistently offering it — which almost always means the estimate template or training process needs adjustment, not the financing platform itself.
Recent News in Contractor Financing (2024-2026)
Four developments shape the 2026 category landscape — all worth knowing for contractors making platform decisions:
November 2025 — Wisetack + LendingClub Partnership. LendingClub entered the $500 billion home improvement financing market specifically through Wisetack. Starting early 2026, LendingClub begins purchasing participation certificates from Wisetack’s existing loan production. Mid-2026, LendingClub will begin originating larger-size home improvement financing loans through the Wisetack merchant network — specifically targeting the $25K-$100K range that Wisetack’s current cap excludes. Implication: Wisetack’s $25,000 loan cap is actively being lifted through 2026.
November 2025 — Hearth Premium Lending Tier. Hearth added a 680+ FICO premium loan tier with amounts up to $50,000 at 8.99% APR start, terms up to 15 years, alongside an AI Dashboard integration that moved Harper’s call logs and transcripts inside the main Hearth app. HELOC options planned for Texas, Rhode Island, Delaware, and South Carolina roll out through early 2026.
October 2025 — Financeit + Charge Solar Partnership. Financeit partnered with Canada’s largest solar distributor to launch nationwide solar financing through the Charge Solar dealer network. Implication for US solar contractors: the partnership model signals Financeit is actively pursuing solar as a strategic vertical — expect similar distributor partnerships in US solar through 2026.
March 2024 — Sixth Street Acquires GreenSky from Goldman Sachs. Goldman divested GreenSky for ~$500 million to a Sixth Street-led consortium (also including KKR, Bayview Asset Management, and CardWorks) — a roughly $1.2 billion write-down from Goldman’s $1.73 billion 2021 purchase. GreenSky deepened its Synovus Bank partnership as part of the deal. Implication: GreenSky’s balance sheet is stable under Sixth Street, but the product architecture hasn’t materially modernized post-acquisition.
2022 — InterVest Acquires Financeit from Goldman Sachs. InterVest Capital Partners (formerly Wafra Capital Partners), the New York private-equity arm of Kuwait sovereign wealth fund Wafra Inc., acquired Financeit from Goldman in 2022. Financeit’s subsequent Simply Group acquisition (2023-2024) consolidated its Canadian market position. Implication: Financeit is operating as an InterVest growth asset with aggressive acquisition strategy, not a salvage operation.
AI in Contractor Financing (2026)
None of the four platforms market financing-specific AI as a differentiator. Underwriting engines are ML-driven across the board (industry standard for modern POS lending — credit decisions in seconds via soft-pull scoring), but only Hearth offers a branded AI product bundled into the financing platform: Harper AI Receptionist, a 24/7 AI phone agent that answers calls, qualifies leads, books appointments, and records/transcribes calls.
For contractors who want AI capability alongside financing:
- If AI is a priority and you want it bundled: Hearth with Harper is the only financing platform with integrated AI. The November 2025 AI Dashboard integration inside the main Hearth app makes it a real product, not a tacked-on feature.
- If AI is a priority but bundling isn’t: pair any financing platform with a dedicated AI product. Smith.ai for human + AI hybrid call coverage, Rosie for bilingual AI phone answering, or Upfirst for budget-tier AI receptionist. Pairing is typically cheaper than bundling once you’re running real volume.
- If AI on the marketing side matters: GoHighLevel has the strongest AI Employee suite in the contractor ecosystem (Voice AI, Conversation AI, Reviews AI, Content AI) for $97/month per sub-account unlimited. Keep your financing platform separate; run GHL as the marketing + AI layer.
Related Reading
- Wisetack Review — the flagship, best-overall choice for most contractors
- Hearth Review — big-ticket trades with bundled AI
- Financeit Review — modern integrations, real partner program
- GreenSky Review — largest network, honest regulatory coverage
- Jobber Review — the most common field service CRM we recommend pairing with Wisetack
- GoHighLevel Review — marketing + AI layer for contractors wanting to build a complete stack
- GoHighLevel Setup Guide — includes the Wisetack-through-Jobber financing chain